Make hay whilst the sun shines.

MoneyMission

Afternoon.

Where has my mojo gone? If anyone finds it please can they send it home to me?

MM

Tilly_MFW_in_6_YRS

Bashing it over the net to you.

It's a long haul and hard to stay motivated. Can you track your daily interest or what your LTV is to help?

It will return - I speak from experience - earlier this year I thought mine had been sold :rotfl:


Best wishes Tilly x x

MoneyMission

Hey there Tilly and thank you for the mojo

I've grabbed hold of it and will keep it warm for a few days. Hopefully, with a bit of love and care it will grow from a mojo seedling into a fully grown mojo tree again!

Think I'm prob just cream crackered. Suspect starting a new job in December, being made redundant, getting a new job and starting that all within 6 months has taken a toll. In need of a holiday - am counting down the days. A week in France beckons - that'll bring the mojo back if nothing else will!

Meantime, LTV checked and going in the right direction. However, interesting house come up for sale that would mean knocking £195K off the mortgage! Thinking it over. A lot.

xxxxx

Tilly_MFW_in_6_YRS

That's a lot of thinking to do

Tilly x x

MoneyMission

OK. Mini-mojo's to report.

£2.74 from monthly interest on one account OP'd. TCB payout of £5.78 requested. To be OP'd when received.

Grocery budget was slightly tight this month due to me not counting enough weeks in the month (duh!). Managed to get weekly shop for £30.15 with £4.85 left for milk and fresh fruit during the week. Using up lots from store cupboard and freezer to get through. Will see how it lasts but fingers crossed will be OK.

Thank you all for inspiration. I love the diaries - they help so much.

MM

MoneyMission

Another mini-mojo update. That £4.85 I had got spent on fresh food as follows:

2 x YS raspberries at 75p each = £1.50
cheese to grate over the beans on jacket pots tonight and make macaroni cheese on Friday = £2.00
YS bread x 2 @ 19p = £38p
Pint milk @ 45p
Bananas @ 66p

Total = £4.99 but I had a voucher for a free pint of milk so only spent £4.54.

Remaining 31p to OP pot.

House for less money = can't get head round it. Prob staying put. Possibly a head in the sand reaction but figure it's all I'm capable of right now.

MM
x

MoneyMission

Where does time go?

Family MM stayed put in the end and didn't go for cheaper house. Came to the conclusion that this house is great for us - we've always known that! So, here we stay. Well, at least for the next 8 years. And there's the thing, I'm now looking longer term at everything. Have always been in such a rush to pay this mortgage off that it felt almost insurmountable. By looking at it longer term, I reckon that we'll enjoy this whilst the kids are here and then be able to cash in on this location when early retirement beckons. 8 years and counting!

With the longer term plan in mind, I've actually re-jigged the budget slightly. I'm earning a bit more at work these days and we've now got between £200 and £300 a month to OP, PLUS anything else I can squeeze out of other pots. Food budget is well supplied so there's usually £40 - £60 spare per month there. Other pots have also been increased as we do want to enjoy ourselves too!

Annual expenses pots for 2016 will be full at the end of this month. That's all major bills taken care of for next year.

Holiday next year is a biggy. Probably our only biggy we'll have with the children. It's all saved for and we got fairly reasonable flight prices - still a HUGE amount of money though.

Popping in to work this morning. Will claim the time back over Christmas as have hardly any holiday due to starting new job in June and then taking most of my annual leave over the summer.

That's it. Rambles over.

MM

MoneyMission

Those curve balls just love surprising you don't they?!

Had dentistry last year (£750) to try and save a tooth. It failed last month. Tooth removed today on NHS - ow.

As it's a tooth at the front that shows a lot I have three options:

1. Leave it as a gap (not very aesthetically pleasing)
2. Have a denture (am only 42 and this feels a bit 'old' plus all the food bits get stuck under the plate bit and is generally yukky)
3. Spring for an implant (£2.5K)

Did ask if I could have a bridge as another option but apparently these are the only teeth in the mouth that won't take a resin bonded bridge and I don't much fancy grinding down healthy teeth on either side just to support a false tooth in the middle as per a standard bridge.


Shocker eh?


Still mulling it over. Have temporary denture fitted until gum heals and bone recovers.


We have the money but can I justify spending it on one tooth?


Will report back.

freshcotton

It appears I completely stole your thread title. Apologies for that, but great minds etc.

Best of luck with your journey

MoneyMission

No problem freshcotton. I'll head over and stalk / follow you so we can keep an eye on each other!